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First Tech Routing #321180379

First Tech Relocation Banking Services

When you decide to relocate, moving your finances should be the least of your concerns.

Mother and daughter looking at white pumpkins together.
Mother and daughter looking at white pumpkins together.

First Tech is a leader in providing financial services for employees on the move. We specialize in serving the needs of the world's most forward-thinking tech companies, including HP, Microsoft, Intel, Amazon, Cisco, and many more. Our Relocation Banking program can help you move your money quickly and easily.

Get all these benefits when you relocate as an employee of one of our many approved partners: 

  • A single point-of-contact who will assist you with all your financial needs—that includes assistance with banking, building credit, home loans, insurance, and more 
  • Preferred product and service incentives
  • Set up accounts up to 60 days before arriving in the U.S.Social Security number is not required at the time of application but it is required for funding.
  • Leading security practices that protect your information
  • Access to educational resources with insight and tips on how the U.S. banking system works
  • Coordinated account set up and support for individuals or groups as needed in-person or virtually
  • 5,000+ Co-Op Shared Branches, and 30,000 surcharge-free Co-Op ATMs

Relocation process

Step 1

Submit your name, email, and employer name here and a specialist will be in touch to help you open your accounts (up to 60 days prior to U.S. entry). You will then be able to wire funds to your new First Tech accounts.

Step 2

After you arrive in the U.S., you can visit a First Tech location to obtain your new debit card or arrange to have it mailed to your new address (home or business).

Step 3

Once you obtain your U.S. Social Security number you will be able to apply for loans from First Tech. These include credit card, auto loan, mortgage, personal loans and personal lines of credit.

Benefits for foreign nationals employed by a partner company

  • Open saving and checking accounts up to 60 days prior to arriving in the U.S. 
  • Send wires and have funds converted to U.S. dollars before you arrive
  • Low down payment options and assumed FICO score for international relocation mortgage borrowers, with some restrictions.
  • Social Security number is not required to establish savings and checking accounts.
  • Preferred loanSocial Security number is not required at the time of application but it is required for funding. and credit cardSocial Security number is not required at the time of application but it is required for funding. rates with little to no established U.S. credit history.
  • Favorable insuranceInsurance products and services offered through First Tech Insurance Services, a wholly owned subsidiary of First Tech Federal Credit Union. rates for members with little to no established insurance history.

Rajeev’s story

Hear Rajeev's relocation story.

Learn how First Tech's Relocation Program supported Rajeev, by providing him with the solid financial backing to move his family, focus on his new position and establish his accounts 60 days before he arrived in his new home. Rajeev's journey brought him from that tech job years ago to Founder and CEO of MAQ Software in Redmond today. He still endorses First Tech's Relocation Program today for his employees, helping international transferees and others navigate with ease the complexities of financial transitions when moving to the United States.

Eligible products and services

As an employee relocating to the U.S, you’re eligible for First Tech Federal Credit Union products and services.  

First Tech Product or Service Description
 Savings   No monthly account fees, free digital banking, and deposits are insured up to $250,000 by the NCUA.
 Checking  No monthly account fees, debit cards, free digital banking with Mobile Deposit and Bill Pay.
 Credit Card   No foreign transaction fees, no balance transfer fees, and no cash advance fees. Some cards earn points or cash on all transactions. New cardholder offers available.
 Auto Loan   New and used auto loans at great rates and there is no cost to apply.
 Insurance   Home, property, automobile, life insurance, and more. Our agents will shop rates for you and provide great options.  
 Renter’s Insurance  Property coverage protects your belongings while liability coverage protects your assets and future income if you accidentally injure someone or damage their property.
 Personal Loan   Quick and easy online application. Borrow as little as $500.
 Home LoanHome loan discounts cannot be combined with other promotions and only apply to relocating employees moving through company- sponsored relocation programs. You may start the application process before you have your Social Security number; however, it is required prior to loan closing. APR = Annual Percentage Rate. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Restrictions apply.  Personalized service throughout the process, unique loan options, and special incentives for relocating employees new to the U.S.  
Online and Mobile Banking   Anytime, anywhere access and management of your money. Free Mobile deposit and Bill Pay. Send money with Zelle®All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. and wire money domestically or internationally. 

Get started

Anton's story

Hear Anton's relocation story.

Eight years ago, Anton gathered his family and moved to the United States to grow his career with one of the world’s most respected tech companies. Learn about the support he received from First Tech’s Relocation Program and why he has become a First Tech member for life.

Frequently asked questions.

Credit unions have the same products as a bank: we accept deposits, make loans, and provide an array of other financial services. But, as a not-for-profit financial cooperative, we return profits back to our members in the form of reduced fees, higher savings rates, and lower loan rates.

  • Top ten largest credit union in the U.S. based on asset size.
  • Insured by the National Credit Union Administration (NCUA)
  • First Tech is a not-for-profit, member-owned credit union with a volunteer Board of Directors voted in by members.
  • First Tech donates millions annually to support the tech community and charitable causes.

The Expat Finance program at First Tech helps employees moving with an employer set up accounts and credit to ease your financial transition to the U.S. A First Tech employee can help you set up accounts and direct deposit prior to moving and up to 12 months after you arrive in the U.S.

  • Checking account (opened prior to U.S. arrival, no SSN required)
  • Credit building products such as secured and unsecured Mastercard® credit card
  • Mortgage and Insurance services to help you settle into the U.S.

Yes, the day your account is opened you will receive all information needed to provide to your employer.

No, First Tech does not require a loan applicant to have credit history when relocating with an approved employer.

Yes, and for those being relocated by their employer, you do not need any U.S. credit history.

As soon as you receive your U.S. Social Security number (SSN), a First Tech employee can help you establish credit by applying for a Mastercard, an auto loan, a mortgage, or other loan products.

If spouses and dependents have a Social Security number, then they are eligible, and First Tech can open individual checking and savings accounts for them. They may also be added to your accounts as a joint owner at any time in the future.

Non-U.S. citizens need to provide the following along with your application:

  • Copy of your Passport
  • An offer letter detailing your new assignment in the U.S. (typically on company letterhead)

A First Tech employee can set up a checking or savings account up to 60 days before your arrival in the U.S. Once you arrive in the U.S., a First Tech employee must verify your employment within 30 days.

You may apply for a mortgage without a Social Security number and start the process outside of the U.S., up to 60 days before you move.

First Tech is a not-for-profit cooperative owned by members. The first $5 deposited into your Membership Savings account represents your share or ownership  in First Tech. All credit unions in the U.S. have a similar account and this is required for membership. As long as you’re a First Tech member, $5 must remain in this account. When your Membership Savings account is closed, the $5 is returned to you.

A savings account is a type of bank account that allows you to deposit money, store it, and withdraw it. A savings account is a good option for saving money that you don’t need or want to spend right away. Savings accounts at First Tech are federally insured by the National Credit Union Administration (NCUA) up to $250,000. Savings accounts are not intended for frequent withdrawals, so if you need to pay bills or withdraw money frequently, a checking account may be more appropriate. 

A checking account is a transactional bank account that allows you to deposit and withdraw funds. It is the account you will use to pay your bills and make purchases. You can make payments from your checking account with your debit card, checks, or Bill Pay in Digital Banking. You can also send money from a checking account with Wires or Zelle®

A Social Security number or SSN is required for Digital Banking access. Once you receive your SSN, contact your First Tech Relocation Representative who will then begin the enrollment process for you. Learn more about online and mobile banking on our Digital Banking page.

You can access your money at any First Tech location or ATM, or at one of more than 5,000 Co-Op Shared Branches and nearly 30,000 Co-Op ATMs nationwide. Visit for a complete list of locations.

You will receive your debit card within 7-10 business days after being ordered by your First Tech Relocation Representative. Your PIN will be mailed separately and will arrive within a day or two of the debit card. If you requested paper checks, those will arrive by mail within 10-12 business days.

First Tech’s Consumer Lending department will handle the processing of your credit application. You will receive an email from the Consumer Lending department within 24 hours after approval of the application with the next steps.

If you have a Social Security number (SSN), please call the number on the activation sticker on the front of your card or contact your First Tech Relocation Representative. You may also activate the card in Digital Banking if you have an SSN. If you do not have an SSN, contact your First Tech Relocation Representative.

If you have any questions, please contact us at 855.855.8805 x2408 or

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Raymond James Financial Advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.